Anyway I think you are missing their biggest rational which is their trying to avoid their own domestic currency risk

It probably makes sense for an entrepreneur to put nearly 100% of their portfolio into just one business and MAKE it work, at least at first.I also agree with you on the business side of things.If you are interested in learning more about the concept you describe, I invite you to read a book called The Outsiders: Eight Unconventional CEOs and Their Radically Rational Blueprint for Success. 

I'd ask you to support all your ridiculous claims, but, in my experience, it seems you just make stuff up as you go along, and don't tend to debate rationally.

Regarding the reserve, there must be some rational structure behind it (not just personal choice by lender).

If its truly handwritten then the call back ration will be high.  

@Eric Adobo, can you explain the rational for your bad advice?

I dont rationally think that a judge/jury would rule to force an older adult man to sell me their home, when they look at my 25 year old self.

If having the debt affects either of your quality of life (not for any rational reason, but simply because having debt makes either of you feel less secure), then that has to be factored in.

To use Zillow as your primary valuation tool is too...A few other major flaws in your argument, the "friends and family" BS is you trying to rationalize where clearly people are getting deals. 

So conventional lenders like FHA loans will qualify you on debt to income ration now.